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	<title>Homes, Loans &#38; Real Estate &#187; Homes</title>
	<atom:link href="http://homesloansandrealestate.com/category/homes/feed" rel="self" type="application/rss+xml" />
	<link>http://homesloansandrealestate.com</link>
	<description>Real Estate Blog - Mortgage Loans - Homes and Property Online</description>
	<lastBuildDate>Sun, 04 Jul 2010 07:36:50 +0000</lastBuildDate>
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		<title>6 Solutions for some small kitchen blues</title>
		<link>http://homesloansandrealestate.com/2010/6-solutions-for-some-small-kitchen-blues</link>
		<comments>http://homesloansandrealestate.com/2010/6-solutions-for-some-small-kitchen-blues#comments</comments>
		<pubDate>Sun, 04 Jul 2010 07:35:36 +0000</pubDate>
		<dc:creator>Long F.</dc:creator>
				<category><![CDATA[Homes]]></category>
		<category><![CDATA[home improvements]]></category>
		<category><![CDATA[real estate tips]]></category>

		<guid isPermaLink="false">http://homesloansandrealestate.com/?p=118</guid>
		<description><![CDATA[You might be opting to order burgers or pizza most nights and really haven’t tested the limits of your kitchen (and of course your culinary prowess). The kitchen has actually transformed from where we prepare our food to the hub where a lot of us hangout. We do everything from eating, to homework, to paying [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://homesloansandrealestate.com/wp-content/uploads/2010/07/p73-kitchen-improvements.jpg"><img class="alignright size-medium wp-image-119" title="p73 kitchen improvements" src="http://homesloansandrealestate.com/wp-content/uploads/2010/07/p73-kitchen-improvements-300x220.jpg" alt="" width="300" height="220" hspace="10"/></a>You might be opting to order burgers or pizza most nights and really haven’t tested the limits of your kitchen (and of course your culinary prowess). The kitchen has actually transformed from where we prepare our food to the hub where a lot of us hangout. We do everything from eating, to homework, to paying our bills in the kitchen.</p>
<p>Expanding your kitchen is one way to increase the value of your property. During these difficult times, you need to pick the right ideas so you make most out of what you want to do with your kitchen. Here are some tips:</p>
<p>Consider some space reconfigurations</p>
<ul>
<li>Get      rid of the table – Instead of a big dining table you can get a booth ala      diner look which takes lesser space. You can also go for a countertop      which can double as your family’s breakfast bar.</li>
</ul>
<ul>
<p><span id="more-118"></span></p>
<li>Utilize      the dining room – If it will be more practical for your setup to get rid      of the bar dividing the dining area from the kitchen then do so to have an      everyday dining area.</li>
</ul>
<p>Maximize what space you have</p>
<ul>
<li>You      can free up some space on your walls so you can get more cabinets and      storage space.</li>
</ul>
<ul>
<li>Sacrifice      non-essential spaces like mudrooms or pantries so you can expand your      kitchen. You can also make use of tucked away closets so everything will      still be in order.</li>
</ul>
<p>Your goal is to give your kitchen that spacious feel which every member of your family can enjoy.</p>
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		<item>
		<title>Prepare to Get Spring Fever!</title>
		<link>http://homesloansandrealestate.com/2010/prepare-to-get-spring-fever</link>
		<comments>http://homesloansandrealestate.com/2010/prepare-to-get-spring-fever#comments</comments>
		<pubDate>Sat, 03 Apr 2010 12:27:02 +0000</pubDate>
		<dc:creator>Heather</dc:creator>
				<category><![CDATA[Homes]]></category>
		<category><![CDATA[curb appeal]]></category>
		<category><![CDATA[property]]></category>
		<category><![CDATA[spring]]></category>

		<guid isPermaLink="false">http://homesloansandrealestate.com/?p=110</guid>
		<description><![CDATA[One of the greatest ways to truly breathe some life into your backyard and into your home in general is to get out there and start gardening.  While a garden is not something that is going to sell you home right away, it definitely is something that will give you home a little curb appeal.
Curb [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://homesloansandrealestate.com/wp-content/uploads/2010/03/spring-3.jpg"><img class="alignright size-medium wp-image-109" title="spring 3" src="http://homesloansandrealestate.com/wp-content/uploads/2010/03/spring-3-300x225.jpg" alt="" width="300" height="225" /></a>One of the greatest ways to truly breathe some life into your backyard and into your home in general is to get out there and start gardening.  While a garden is not something that is going to sell you home right away, it definitely is something that will give you home a little curb appeal.</p>
<p>Curb appeal is something that gets potential buyers interested in your home so that they will actually want to look at it and consider it for purchase.  You always want to make sure that whenever you are giving your home curb appeal, it is tastefully done.</p>
<p>What this means is that wildflowers and things like that do not usually work but some modest flowers and touches can really help your home look great!</p>
]]></content:encoded>
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		<title>DIY Home Work &#8212; Fix Your Home On A Budget!</title>
		<link>http://homesloansandrealestate.com/2010/diy-home-work-fix-your-home-on-a-budget</link>
		<comments>http://homesloansandrealestate.com/2010/diy-home-work-fix-your-home-on-a-budget#comments</comments>
		<pubDate>Sun, 14 Feb 2010 00:08:00 +0000</pubDate>
		<dc:creator>Heather</dc:creator>
				<category><![CDATA[Homes]]></category>
		<category><![CDATA[budgets]]></category>
		<category><![CDATA[DIY]]></category>
		<category><![CDATA[fixing your home on a budget]]></category>
		<category><![CDATA[home repairs]]></category>
		<category><![CDATA[repairing your home]]></category>

		<guid isPermaLink="false">http://homesloansandrealestate.com/?p=105</guid>
		<description><![CDATA[When you are a landlord, I can tell you for sure that it is not the cheapest thing in the world to be.  Honestly, it is an expensive job to handle and one that can be extremely stressful.  Well, if you are looking for a way to save some cash on some of the repairs [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://homesloansandrealestate.com/wp-content/uploads/2010/02/why-fixing-website-image.jpg"><img class="alignright size-medium wp-image-106" title="why-fixing-website-image" src="http://homesloansandrealestate.com/wp-content/uploads/2010/02/why-fixing-website-image-300x156.jpg" alt="" width="300" height="156" /></a>When you are a landlord, I can tell you for sure that it is not the cheapest thing in the world to be.  Honestly, it is an expensive job to handle and one that can be extremely stressful.  Well, if you are looking for a way to save some cash on some of the repairs that you are going to have to do to your home, read this blog.</p>
<p>One of the things that you need to remember whenever you are fixing up your home is that it needs to look good.  While there are things that you can do, there are also things that you can not do and need to be hired out.  Remember that.</p>
<p>Small jobs like fixing dirty tile and caulking should be pretty easy to fix and clean up – why hire someone to do that?  You can do it yourself and save some cash.</p>
]]></content:encoded>
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		<item>
		<title>Renters Insurance: What Is It?</title>
		<link>http://homesloansandrealestate.com/2009/renters-insurance-what-is-it</link>
		<comments>http://homesloansandrealestate.com/2009/renters-insurance-what-is-it#comments</comments>
		<pubDate>Sat, 24 Oct 2009 21:17:19 +0000</pubDate>
		<dc:creator>Heather</dc:creator>
				<category><![CDATA[Homes]]></category>
		<category><![CDATA[Renting]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[renter's insurance]]></category>
		<category><![CDATA[renting a home]]></category>

		<guid isPermaLink="false">http://homesloansandrealestate.com/?p=85</guid>
		<description><![CDATA[Renting is honestly the best thing to do when you are first moving out of your parents house – you never want to be stuck with a house right away and therefore renting seems to be the best option for you.  However, did you know that there is such thing as renters insurance out there?  [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://homesloansandrealestate.com/wp-content/uploads/2009/10/home_insurance.jpg"><img class="alignright size-medium wp-image-86" title="home_insurance" src="http://homesloansandrealestate.com/wp-content/uploads/2009/10/home_insurance-300x217.jpg" alt="home_insurance" width="300" height="217" /></a>Renting is honestly the best thing to do when you are first moving out of your parents house – you never want to be stuck with a house right away and therefore renting seems to be the best option for you.  However, did you know that there is such thing as renters insurance out there?  When I first started renting, I had no idea.</p>
<p>However, renting insurance is actually the best thing for you – for it protects your stuff.  Home owners insurance is for home owners that are looking to protect their homes but when you are renting, what happens if the place burns down?  You would have to replace all of the stuff yourself.</p>
<p>This is why renters insurance is definitely the best thing for you and certainly it is going to come in handy if something does happen.</p>
]]></content:encoded>
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		<title>Finding Pet Friendly Housing!</title>
		<link>http://homesloansandrealestate.com/2009/finding-pet-friendly-housing</link>
		<comments>http://homesloansandrealestate.com/2009/finding-pet-friendly-housing#comments</comments>
		<pubDate>Sat, 12 Sep 2009 18:15:19 +0000</pubDate>
		<dc:creator>Heather</dc:creator>
				<category><![CDATA[Homes]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[finding a pet friendly home]]></category>
		<category><![CDATA[pet-friendly]]></category>
		<category><![CDATA[pet-friendly homes]]></category>
		<category><![CDATA[pets]]></category>

		<guid isPermaLink="false">http://homesloansandrealestate.com/?p=66</guid>
		<description><![CDATA[Finding a home is not easy.  We all know that, but the challenge that I am finding right now is finding a rental home that is pet-friendly.  Currently, I am going to be relocating to Boston and I am really trying to find a place that is going to accommodate my two dogs and two [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://homesloansandrealestate.com/wp-content/uploads/2009/09/big_dog.jpg"><img class="alignright size-medium wp-image-67" title="big_dog" src="http://homesloansandrealestate.com/wp-content/uploads/2009/09/big_dog-200x300.jpg" alt="big_dog" width="200" height="300" /></a>Finding a home is not easy.  We all know that, but the challenge that I am finding right now is finding a rental home that is pet-friendly.  Currently, I am going to be relocating to Boston and I am really trying to find a place that is going to accommodate my two dogs and two cats – are you having a similar problem?  Probably if you are an animal lover like me.</p>
<p>Well, there are some things that you can do and one is to arm yourself with knowledge.  Make sure that you know everything about the property you are trying to get and really use those negotiating skills that you have to get the landlord to back down – in most cases, they will.</p>
<p>Next, really look around and do not settle.  Your pets are definitely part of you, at least for me they are and you shouldn’t have to compromise them to have a nice place – look around!</p>
]]></content:encoded>
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		<item>
		<title>Choosing The Perfect Location For Your New Home!</title>
		<link>http://homesloansandrealestate.com/2009/choosing-the-perfect-location-for-your-new-home</link>
		<comments>http://homesloansandrealestate.com/2009/choosing-the-perfect-location-for-your-new-home#comments</comments>
		<pubDate>Fri, 07 Aug 2009 16:49:20 +0000</pubDate>
		<dc:creator>Heather</dc:creator>
				<category><![CDATA[Homes]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[choosing a location]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[home buying]]></category>

		<guid isPermaLink="false">http://homesloansandrealestate.com/?p=57</guid>
		<description><![CDATA[When you really think about it – in the real estate market, it is all about the location and when you are purchasing a home, I know that I am constantly doing my research around the neighborhood.  When you are looking for a home, you always want to make sure that you consider the neighborhood [...]]]></description>
			<content:encoded><![CDATA[<p>When you really think about it – in the real estate market, it is all about the location and when you are purchasing a home, I know that I am constantly doing my research around the neighborhood.  When you are looking for a home, you always want to make sure that you consider the neighborhood and just what it has to offer you – do they have security?  It is close to the police station? Do the neighbors look nice? Do the rest of the homes look nice?</p>
<p>These are all factors that should be incorporated into what you are looking for when you are looking for a home.  The neighborhood itself should look nice and the neighbors should be friendly … those are the things that truly make a good neighborhood and you want to make sure that it is safe.</p>
<p>Living in an unsafe neighborhood is not only not good for you and your family, but also for your real estate investment, so always make sure that you do your research!</p>
]]></content:encoded>
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		</item>
		<item>
		<title>Tax Tips to Consider When Selling Your Home</title>
		<link>http://homesloansandrealestate.com/2009/tax-tips-to-consider-when-selling-your-home</link>
		<comments>http://homesloansandrealestate.com/2009/tax-tips-to-consider-when-selling-your-home#comments</comments>
		<pubDate>Mon, 13 Jul 2009 02:32:04 +0000</pubDate>
		<dc:creator>Heather</dc:creator>
				<category><![CDATA[Homes]]></category>
		<category><![CDATA[selling a home]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://homesloansandrealestate.com/?p=48</guid>
		<description><![CDATA[There are tons of things to consider when you are ready to sell your house, but some of the most important of them have to do with taxes and things of that nature.  The following tips are some of those.
You want to consider the amount of exclusion you will have from the sale of [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://homesloansandrealestate.com/wp-content/uploads/2009/07/house_for_sale.jpg"><img class="alignright size-medium wp-image-49" title="house_for_sale" src="http://homesloansandrealestate.com/wp-content/uploads/2009/07/house_for_sale-300x210.jpg" alt="house_for_sale" width="248" height="173" /></a>There are tons of things to consider when you are ready to sell your house, but some of the most important of them have to do with taxes and things of that nature.  The following tips are some of those.</p>
<p>You want to consider the amount of exclusion you will have from the sale of your home because, typically, it is possible you might be allowed to exclude amounts of up to $250,000.  If you are a tax payer filing a joint return, the amount doubles.</p>
<p>The ownership test is another important consideration.  If you want to claim an exclusion then it is necessary for you to have owned the house you are selling for two years at least.</p>
<p>There is also the use test, meaning that the home has to have been your main house for at least two years as well.</p>
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		<item>
		<title>Selling Home May Be Influenced by What Buyers Can&#8217;t See: Allergies In Your Home</title>
		<link>http://homesloansandrealestate.com/2009/selling-home-may-be-influenced-by-what-buyers-cant-see-allergies-in-your-home</link>
		<comments>http://homesloansandrealestate.com/2009/selling-home-may-be-influenced-by-what-buyers-cant-see-allergies-in-your-home#comments</comments>
		<pubDate>Sat, 27 Jun 2009 04:21:00 +0000</pubDate>
		<dc:creator>Heather</dc:creator>
				<category><![CDATA[Homes]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[allergies]]></category>
		<category><![CDATA[home allergies]]></category>
		<category><![CDATA[selling your home]]></category>

		<guid isPermaLink="false">http://homesloansandrealestate.com/?p=38</guid>
		<description><![CDATA[There are many different aspects of your home when you are selling it that potential buyers will look at and while the home may look good from the outside and on the inside, the overall feel of the home is something that is very important as well.  A lot of sellers do not think about [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://homesloansandrealestate.com/wp-content/uploads/2009/06/woman_allergies.jpg"><img class="alignright size-full wp-image-39" title="woman_allergies" src="http://homesloansandrealestate.com/wp-content/uploads/2009/06/woman_allergies.jpg" alt="woman_allergies" width="275" height="275" /></a>There are many different aspects of your home when you are selling it that potential buyers will look at and while the home may look good from the outside and on the inside, the overall feel of the home is something that is very important as well.  A lot of sellers do not think about allergies in the home when they are selling it.  What you may not know is that there are about 300 million Americans and about 60 million of them have allergies.</p>
<p>Allergies inside your house can be something as simple as letting pollen in through the windows all the way to having some unknown mold growing inside of your walls or along your floor without your knowledge.  Allergies are something that you can not control; however, you can make your house allergy-proof!</p>
<p><span id="more-38"></span>Keeping an eye on every detail of your house is very important whenever you are dealing with allergies.  Just do your research and make sure that you use air purifiers around your home and I can promise that your home will sell very quickly!</p>
<p>I hope these <a href="http://www.home-selling-tips.org/">home selling tips</a> helped you out a little &#8211; more soon!</p>
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		<item>
		<title>Getting A Home Loan: The Things You Should Know&#8230;</title>
		<link>http://homesloansandrealestate.com/2009/getting-a-home-loan-the-things-you-should-know</link>
		<comments>http://homesloansandrealestate.com/2009/getting-a-home-loan-the-things-you-should-know#comments</comments>
		<pubDate>Mon, 22 Jun 2009 00:26:15 +0000</pubDate>
		<dc:creator>Heather</dc:creator>
				<category><![CDATA[Homes]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[getting a home loan]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://homesloansandrealestate.com/?p=35</guid>
		<description><![CDATA[Choosing a home loan is something that is one of the most important things in your life.  There are many different things that you need to consider and to be honest, this will be one of the biggest decisions of your life.  That is one of the main reasons why people are so leery about [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://homesloansandrealestate.com/wp-content/uploads/2009/06/istock_000002303404xsmall.jpg"><img class="alignright size-medium wp-image-36" title="Mortgage and down payment" src="http://homesloansandrealestate.com/wp-content/uploads/2009/06/istock_000002303404xsmall-300x199.jpg" alt="Mortgage and down payment" width="300" height="199" /></a>Choosing a home loan is something that is one of the most important things in your life.  There are many different things that you need to consider and to be honest, this will be one of the biggest decisions of your life.  That is one of the main reasons why people are so leery about simply taking a home loan on from someone they do not know – this is why recommendations from friends is a fantastic idea.  If you are in the market for a home loan, talk to some of your friends and family and see who they used – that way you can get some referrals.</p>
<p>Another thing that you should watch out for is speaking with some lenders that you can not speak to face-to-face.  Face-to-face talking is an absolute must when you are talking about hundreds of thousands of dollars.  You need to trust your lender and your lender needs to be able to trust you and the only way that will work is by meeting.</p>
<p>Go with your gut – that is honestly the best policy whenever you are looking for a home loan, simply go with an affordable mortgage and make sure that you have a good feeling about the entire transaction.</p>
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		<item>
		<title>Buying A Home: The Steps You Need To Follow!</title>
		<link>http://homesloansandrealestate.com/2009/buying-a-home-the-steps-you-need-to-follow</link>
		<comments>http://homesloansandrealestate.com/2009/buying-a-home-the-steps-you-need-to-follow#comments</comments>
		<pubDate>Thu, 21 May 2009 20:31:25 +0000</pubDate>
		<dc:creator>Heather</dc:creator>
				<category><![CDATA[Homes]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[buying your first home]]></category>
		<category><![CDATA[purchasing a home]]></category>

		<guid isPermaLink="false">http://homesloansandrealestate.com/?p=21</guid>
		<description><![CDATA[
I swear, buying your first home is honestly going to be the scariest thing in the world.  There are tons of different things that you really need to think about and to be honest, you really need to decide whether buying is going to be the best option for you in the first place!  In [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignnone size-full wp-image-20" title="untitled" src="http://homesloansandrealestate.com/wp-content/uploads/2009/05/untitled.bmp" alt="untitled" /></p>
<p>I swear, buying your first home is honestly going to be the scariest thing in the world.  There are tons of different things that you really need to think about and to be honest, you really need to decide whether buying is going to be the best option for you in the first place!  In this blog and a few others after it, we are going to explore the buying experience of your first home so you can really get a feel for it!</p>
<p>One of the very, very, very first things that you want to do is get your budget nailed down.  You do not want to fall in love with a home that is way out of your price range and you certainly do not want to get stuck with a mortgage that you can not pay because you can not afford it, so shop wisely and buy smart!</p>
<p>After your budget is sketched out …. The next step is in the next blog!  Stay tuned everyone!</p>
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